Marketa Muhlhoferova to lead Investor Relations of the Home Credit Group

Prague, 10/12/2007

Ms Mühlhoferova's responsibility is to ensure, in cooperation with local specialists, proactive, consistent and transparent communication between the Group and the international financial community - investors, analysts, rating agencies and financial media in particular; and hereby supports group funding process.

"I believe I will utilize my previous experiences from capital market transactions and help to ensure long-term and accurate picture of the Home Credit Group on the international financial markets", Markéta Mühlhoferová said.

Marketa Mühlhoferova worked in mergers and acquisitions (M&A) and has 7-year experience in capital market transactions. She headed Capital Markets team of Česká spořitelna closely before joining the Home Credit Group. Ms Mühlhoferová worked on several important transactions, including initial public offerings (IPOs), privatization transactions and several bond transactions, including issuance of structured and subordinated bonds. Since January 2007, she had worked as the Assistant to the Member of the Board of Česká spořitelna responsible for investment banking and financial markets. Ms Mühlhoferová was the Vice-chair of the Listing Committee of the Prague Stock Exchange.

Marketa Mühlhoferova graduated from Charles University, Science Faculty and Faculty of Social Science, specialization in Finance & Banking. In addition to her native language (Czech), she speaks English fluently and partially also Russian and German.

Notes to Editors:

Home Credit Group

Companies of the Home Credit Group have been operating in the Central and Eastern European as well as Central Asian consumer finance markets and had granted loans in the combined principal of USD 2.7 billion as of 2006 year end. Home Credit maintains a leading position in the consumer finance markets of the Czech Republic (entered in 1997), the Slovak Republic (1999), the Russian Federation (2002) and the Republic of Kazakhstan (since December of 2005). Home Credit Group also entered the Ukrainian and Belarusian market in 2006. The Home Credit Group belongs to the PPF international group of companies which has interests in insurance and consumer finance, and provides complex asset management services.

Home Credit International, a.s.

Milan Tománek
Group Communications Manager
Tel: (+420) 224 559 573
E-mail: milan.tomanek@homecredit.eu

10/12/2007